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Credit Card Deals with Lowest APR

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Nowadays debts have become a usual part of our life. Most Americans have credit cards and have to carry debts. But debts differ. One can carry the debt for the rest of the life due to rather high interests, or you can have a low interest plastic and pay off the debt in quite a short period of time.

These Credit Offers are Only for People with Excellent or Good Credit History.

Have Bad or No Credit History? Click Here! Fair Credit? Click Here!

Discover® Card
Discover it®
Discover it®
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won´t increase your APR for paying late.±
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.±
Capital One® Platinum Prestige Credit Card
  • 0% intro APR until September 2014 on balance transfers.
  • 0% intro APR until September 2014 on purchases.
  • No annual fee.
U.S. Bank Visa® Platinum Card
  • 0% Intro APR15 on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99% - 23.99%.
  • No annual fee15.
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum.
1-2-3 REWARDS® Visa® Card
  • Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.
  • Earn free groceries faster at Kroger, King Soopers, Dillons Smith´s, Fry´s and QFC; 3 points per $1 spent on Kroger family of brand products.
  • 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers).
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The Longest 0% APR Period for Balance Transfer

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.

see details

Bank Name
Card Name
Intro APR
PURCH.
Intro Period
PURCH.
Intro
APR
BAL.TR.
Intro
Period
BAL.TR.
APR % Annual Fee Apply
Details
Citi Simplicity® Card
Citibank
Citi Simplicity® Card
0%26 18 months26 0%26 18 months26 12.99% -
21.99% (Variable)
$026 Apply
Online
Barclaycard® Ring MasterCard®
Barclays Bank Delaware
Barclaycard® Ring MasterCard®
n/a n/a n/a n/a 8.0% (Variable) $0 Apply
Online
Capital One® Card Finder Tool
Capital One®
Capital One® Card Finder Tool
See terms See terms See terms See terms Various Rates See terms Apply
Online
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card - 17,500 Bonus FlexPoints
U.S. Bank
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card - 17,500 Bonus FlexPoints
0% 12 billing
cycles
0% 12 billing
cycles
13.99% -
23.99% (Variable)
$0 for the first year, then $4915 Apply
Online
Barclaycard® Rewards MasterCard® - Excellent Credit
Barclays Bank Delaware
Barclaycard® Rewards MasterCard® - Excellent Credit
0% 12 billing
cycles
0% 12 billing
cycles
14.99% -
24.99% (Variable)
$0 Apply
Online
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

It is not the initial borrowed money that takes people so much time to pay off, but it is the interests that you have to pay on that initial sum of money. The higher the interest rate is, the more time it takes you to pay off your debt and vice versa.

Low interest credit deals can give you enough benefits. For instance, if you have a low interest card with very low rates, and want to take a small loan in order to make a large purchase, like a new car, you can put this large purchase on your low interest credit card and thus save money.

If you have a debt on your credit card with a high interest rate, balance transfer will help to manage your debt. Just find a plastic with lower ongoing APR or with 0% intro APR and transfer your balance onto such a card. Thus you will be able to start paying off your initial debt without losing money on high interests. But read carefully the fine print in a credit application, make sure that your intro APR won't jump too high, otherwise you will get in deeper debts and spoil your credit score.

Your excellent or good credit history is a guarantee of your responsibility to make payments and gives you a chance to get a very profitable credit offer, and low interest rate credit cards are a perfect choice.

You often make purchases online? Obtain Discover More Card and you will get 0% Intro APR, 10.99% ongoing APR and 20% cash back bonus on every online purchase.

Business owners can get certain benefit from using business with rewards. It offers them no annual fee, competitive interests and either 5% cash back rewards or travel rewards. One more advantage of the plastic is that you can get it with personalized design that lets you use a card with the name of your company on the top of it.

But low interest credit deals, as everything in this world, have some disadvantages, too. One of them is high fees for late payment and exceeding the credit limit. So, be careful, try to pay on time all your bills in order to avoid these fees and not to spoil your credit score.

If low interest credit cards are for you, make your own research before obtaining a card. There are lots of low interest credit cards available from different issuers, but be careful while choosing a plastic. Pay close attention to all terms and conditions. There are a lot of issuing companies that claim to provide low interest credit offers, but read the fine print. Many credit cards offer low interests for introductory period only and after this introductory period will be over, these interests can jump very high. Make an effort to read a credit agreement carefully and you will avoid this credit trap and save your money.

So, if you make your choice and want to get a credit card with low interests, feel free to apply for a plastic by filling in a secure online application at our web site.

Other Credit Card Types:

Balance Transfer Credit Cards

Transfer your existing outstanding balance to a credit card with lower ongoing APR or 0% intro APR and save your money in interest. Benefit from balance transfer credit cards.

No Annual Fee Credit Cards

Pay no annual fee to use your credit card as there is none. Choose from the best credit cards with no annual fee.

Instant Decision Credit Cards

Instant decision credit cards are here for you to get an instant response online in minutes. Compare their features, benefits and rewards and apply online securely.

± Click apply for Terms & Conditions.
15 See Card Terms and Conditions.
26 See the Citi card terms and conditions online.